Will My Insurance Policy Cover My Roof?

According to the Texas Insurance Code, your homeowner's policy must cover any damage to your home sustained by an "act of God." You can rest assured knowing that your roof is protected against the hail and thunderstorms so typical of the Houston area and virtually all of North Texas.

The question to ask is not necessarily will they cover your roof; but rather how did your roof sustain damage. If you can't pinpoint a particular storm, you may be in for quite a challenge.

You see, if your roof gets damaged because you didn't take care of a scraping tree limb or some other obstruction, your insurance company is not obligated to reimburse you for repairs. They are only liable to take care of things that were outside of your responsibility.

Have a roofing contractor present during insurance company inspection

This is precisely why it is a good idea to have a professional roofing contractor present with you any time you meet with your insurance adjuster. A roofing contractor is better equipped to verify storm damage as opposed to other causes. When you have someone around who knows the business, you are more likely to have a smooth and easy claim process.

Insurance companies are not always quick to agree to paying every claim of roof damage. Naturally, they are on a quest to minimize their losses. If it is not obvious that the damage is due to hail or a storm that is pin-pointed to that particular region, the insurance adjuster is forced to deny the roof claim.

Many times the insurance company is justified in its denial of claims, however, there are times when the insurance adjuster is wrong about their findings. If you think the adjuster made an error on your roof investigation report, there are things you can do to assure your claim is paid. Ask your Roofing Consultant for more information.

Questions to Determine Eligibility for Insurance Claim

Here are some questions to ask to determine whether your roofing claim will be paid for by your insurance company:

2. What kind of damaged does your roof have. If your roof is damaged because you failed to cut the trees back or for some other reason that is essentially your fault, the answer is no.  The insurance company will not fix your roof for you if the damage is something you should have prevented.

3. Was your roof damaged by hail? If you can pinpoint the storm that damaged your roof, that is the best scenario. Although, we are able to get roofs replaced by our customer's insurance companies when they are not sure when the hail damage occurred. If your roof was legitimately damaged by hail, your insurance company is obligated to restore your home to it's pre-storm value.
 
So, the answer is yes, and no. It all depends on how your roof was damaged. Was it a hail storm, or a tree branch. Is your roof really damaged at all. In either case, we recommend getting in contact with a professional roofing consultant who understands the system and can best advise you as to which steps to take to ethically get your claim approved.

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